MORTGAGERATES.NEWS
Sources, data & methodology
Understand where our advertised rates, mortgage benchmarks, Treasury history and news feeds come from, how often we check them and how we handle outages.
Different sources answer different questions
Advertised rates help you start a loan comparison. National mortgage averages provide a broad market reference. Treasury yields describe the government-bond market. We preserve their separate labels and dates.
| Data | Source & effective date | How we use it |
|---|---|---|
| The Mortgage Calculator pricing | Published rate widget → Nov 11, 2026 | Advertised interest rates and APRs with original product labels. Checked at most every five minutes on use. Points are not assumed when missing. |
| 10-year U.S. Treasury | U.S. Department of the Treasury → Nov 10, 2026 | Daily Treasury par yield, not an intraday quote or mortgage offer. No observations are invented for weekends or holidays. Historical observations were retrieved directly from Treasury annual XML files; latest-year observations refresh separately. Checked once a minute while the page is in use. |
| 30-year mortgage national average | Freddie Mac Primary Mortgage Market Survey® → Nov 5, 2026 | Freddie Mac PMMS® U.S. weekly average, not The Mortgage Calculator pricing or an available rate lock. Published normally Thursday at noon Eastern for the preceding Thursday–Wednesday application period. Methodology changed November 17, 2022; current fees/points and ARM rates are not published. Source values reproduced with attribution. Checked once a minute while the page is in use. |
| 15-year mortgage national average | Freddie Mac Primary Mortgage Market Survey® → Nov 5, 2026 | Freddie Mac PMMS® U.S. weekly average, not The Mortgage Calculator pricing or an available rate lock. Published normally Thursday at noon Eastern for the preceding Thursday–Wednesday application period. Methodology changed November 17, 2022; current fees/points and ARM rates are not published. Source values reproduced with attribution. Checked once a minute while the page is in use. |
| Lender advertised history | The Mortgage Calculator archive → | Historical examples. Scenario assumptions may change. Archive is loaded on request and cached for six hours. |
Official economic news feeds.
Freshness and outages
The source’s effective date is different from the time our server checked it. Market closures and weekly publishing schedules mean the most recently available observation may be from a prior day. News feeds are checked at most every 30 minutes on use. We display a dated verified snapshot if a provider is unavailable; we never manufacture a replacement rate.
Changes and chart calculations
Percentage rates are shown as percentages. A basis point is 0.01 percentage point: a change from 6.50% to 6.40% is a decline of 10 basis points. Historical chart windows end at the latest available observation. CSV downloads include the observed dates, values and source.
The article archive
Our archive makes original federal economic releases readable and searchable by date, subject and publisher. We reproduce public-domain source narrative with attribution and link to the original release, which contains the complete tables, methodology and any later corrections. Each page preserves the original release date and reporting vintage. Archive dates are never presented as current news.
MortgageRates.news adds historical mortgage and Treasury observations around each release date, including the dates of the observations, period comparisons and source links. These comparisons show context, not causation or an intraday market reaction. The federal source did not produce or endorse our added commentary. Archived narrative is preserved during publication; new releases are added through the verified archive import workflow.
Reproduction and attribution
Official news listings show headlines, dates and source links. We do not republish commercial publisher articles or photographs. Major-media links are a reading directory, not a claim of licensed syndication. The market ticker uses official daily Treasury and weekly Freddie Mac references, each with its own effective date. It does not claim to provide intraday exchange quotes.
Understanding comparisons
Freddie Mac changed its PMMS methodology in November 2022. Historical averages may not be strictly comparable across methodology changes. Current mortgage-rate data reflects borrower and loan characteristics that may differ from yours. A Treasury yield and a mortgage interest rate are not interchangeable.